英语多选题.doc

“三大模块”题库（英语多项选择）1. CAMEL Rating System includes： A： Capital adequacy B： Asset qualityC： Management ability D： Earning performance E： Liquidityanswer：ABCDE2. What are the several steps of Savings deposits? A, open an account B、deposit money C、transfer money D、settlement E、withdraw money F、Account ClosingAnswer: ABEF4. Banks internal audit departments () periodically review the rating system and its banking operations, the prosecution trial included_.A、Operation of the credit sector.B、Probability of default.C、LGD(loss given default).D、Default risk exposure.E、Expected loss.答案：ABCD5. The typical measures of internal control included:（BC） A. risk identified B. behavior control C. assessment and authorization D. Information Exchange6. The followings can be classified as off-balance sheet business are: ( BCD )A. Deposits B. Trust ConsultingC.L/C D. Agency7. The Basel Capital Accord (Basel I) is made up of three elements, they are: (ABC)A. a definition of regulatory capital B. risk-weighted assetsC. credit conversion factors (CCFs) D. internal control and audit8. The risk exposure and assessment disclosures relate to (ABCD)A. credit risk B. market risk C.operational risk D. interest rate risk in the banking book10. Strong mobility management, including key factors：（ABCD）A. Good management information systemB. Control of the Central LiquidityC. Options of the net funding requirementsD. Diversification of financing sources, and contingency plans12. Which of the followings are the products of corporate debts (ABCD)A .revolving liquidity loan B. trade financing loanC. corporate account overdraft D. syndicated loan商业银行主要业务P38 选择题第二题13. The methods of issuing financial bonds include: （AD ）A. through market distribution B. through agreementC. through lead commercial bank underwriting D. through directional distribution商业银行主要业务P135 选择题第一题15. The main causes that would lead to internal control failure include(B、C、D)A、poor external supervision and regulation;B、lack of internal supervision;C、disordered control structure;D、neglecting the risks of new business.出处：银行监管实务P253 一、（五）17. Which three major risks of the following are the Chinese banking institute facing at present time? (multiple choices)A. credit riskB. market riskC. legal riskD. operation riskAnswer: A B D20. Quantitative and consolidated supervision concludes （Answer：AB）A. the supervision of inside transaction B. capital supervision C. the supervision of interest conflicts D. the supervision of financial safety nets free-rider22. Component Risk Assessment contains: (Answer：BCD) A. reportB. Inherent RiskC. Risk ControlD. Risk in Future23. What are the approaches for measuring the operation risk proposed by the Basel II: (ABC)A.Basic indicator approachB.Standardized approachC.Advanced measurement approachD.Internal Rating Approach24. Loan guarantees includes（A B C ）A、Mortgage； B、Pledge； C、guarantee； D、letter of comfort25. Which kind of loan below belongs to the category of corporate loans?（ABCD ）A、Working Capital Circular LoansB、Trade Financing loansC、Corporate Account OverdraftD、Syndicated Loans26. The three main risks which Chinas banking sector is facing are(ABD ).A. Credit risk; B. Market risk; C. legal risk; D. operational risk.29. Results of rating system, which must be used in banks daily operation, include _abcdA Credit approval B Risk management C Internal capital location D Corporate governance30. The major interest rate risk banks face includes; ABCDA Option risk B Benchmark risk C Yield curve risk D Repricing risk31. In operation and management of commercial banks, capital demand management mainly includes _ABA Scale management B Structure managementC Maturity management D Debt Capital management32. Based on the funding sources, liability business of commercial banks can be categorized: ABDA Deposit liability B Borrowing liabilityC Inter-bank lending liability D Clearing liability33. The important bank blank voucher include: ABCDA Certificate of deposit B Bank passbookC Check D Credit card(Letter of credit)34. For commercial bank, which two parts does the operating revenue mainly include?A Asset RevenueB Rental RevenueC Service RevenueD Bond RevenueANSWER：AC42. Risk assessment include: (BCD) A, to know about institutions B, the risk management capabilities C, the risk level D, the developing direction of risk E, to collect information 43. Factors affecting the loan loss: (ABC) A, the customer behavior B, value of collateral C, ability of the guarantor D, the banks management level 44. The loan review should focus on : (ABCD) A, Loan Purpose B, source of repayment, C, asset conversion cycle D, the repayment record 52. Non-performing loans includes .A. substandard B. doubtful C. loss D. pass E. special mention 答案：A B C (出自银行监管实务第二模块 信用风险监管 第六章 不良贷款管理 实践练习)53. According to the risk profile, grades the loans into 5 categories，namely .A. pass B. special mention C. substandardD. doubtfulE. loss答案：A B C D E（出自银行监管实务第二模块 信用风险监管 第六章 不良贷款管理）55. The new regulatory concepts of CBRC includes .A. conducting consolidated supervisionB. focusing on risk-based supervision C. strengthening banks internal controlsD. enhancing transparency答案：A B C D（出自银行业监管理念监管文化模块二 中国银行业监管目标、理念和标准）56. The three pillars of the NEW Capital Accord include .A. minimum capital requirementsB. the supervisory review proessC. market disciplineD. credit rating答案：A B C（出自银行监管实务第五模块 资本监管）57. Commercial Bank Profitability analysis of basic methods include:A: Comparative Analysis B: Difference Analysis C: Ratio Analysis D: Factor AnalysisAnswer: ACDQuestion 19,263 in Self-Practices of Banking Practices 58. Commercial banks prepare financial statements which should meet the following requirements:A: Data authentic B: binding of simple beautyC: comprehensive and complete D: submit timely preparation ofAnswer: ACDQuestion 19122 in Self-Practices of Banking Practices 62. Among the following choices, which are used for measuring credit risk? (b,c,d)A.The weighted methodB.The standard methodC.The primary method of internal ratingD.The senior method of internal rating63. The equity capital of the banks ar